For text, it's easy enough to add a big label, and place it behind the other
controls (Format | Send To Back).
For graphics, you can add an image control. Forms also have a Picture
property, so you can place a faded graphic there.
You may need to be aware that Access (at least in some versions) does not
fully release the memory for the Picture, so you can run out of resources if
you do this on forms that are being opened and closed constantly.